How is the annual supervisory fee calculated?

The ECB calculates the annual expenditure on its supervisory tasks to determine the total amount of the annual supervisory fees.

How much does each bank pay?

The annual supervisory fee for each bank consists of:

• a minimum fee component
• a variable fee component

Minimum fee component

The minimum fee component is based on a fixed percentage of the total amount of the annual fees for significant and less significant banks.

What determines the variable fee component?

The variable fee component covers the remaining amount of the fee after the deduction of the minimum fee component. This difference also includes the discount granted to smaller banks in each category.

Each bank pays a share of this amount based on its importance and risk profile. This means that larger and riskier banks pay a higher variable fee component.

Estimate your fee

The information below is provided for indicative purposes only and can only help you to estimate your fee. The ECB calculates your fee on the basis of the fee factors you provide, and the exact amount levied by the ECB is stated in your annual supervisory fee notice.

The fee estimate cannot be exact because it is based on the expected costs for the fee period, whereas the ECB levies the fee on actual costs. In addition, because the average number of banks on which the fee will be levied and their fee factors will not be known until the fee is levied, the fee debtors and fee factors for the previous year are used.

Furthermore, retroactive corrections are made to fees when a bank’s situation changes after the cut-off date for the annual calculation of the supervisory fees, or when such changes are not validated by the national competent authority until after the cut-off date.

To estimate your annual supervisory fee for 2022, you need the following information.

Minimum fee component

To estimate this, you need:

• total estimated annual costs for your category (significant or less significant banks)
  

  Estimated annual costs for fee period 2022 (EUR millions)	Significant banks	Less significant banks
  	596.9	27.2

• number of fee debtors:
  

  Average number of fee debtors for fee period 2021	Significant banks	Less significant banks
  Fee debtors	114	2,215
  Note: The number of fee debtors is different to the number of supervised banks.

• average number of fee debtors in previous years:
  

  Average number of fee debtors	Significant banks	Less significant banks
  for fee period 2020	112	2,318
  as at end-July 2019	112	2,440
  as at end-July 2018	115	2,766
  as at end-July 2017	119	2,916
  as at end-July 2016	126	3,077
  as at end-July 2015	117	3,193
  as at end-July 2014	115	3,191
  Note: The number of fee debtors is different to the number of supervised banks.

Variable fee component

To estimate this, you need:

• your own fee factors (total assets and total risk exposure)
• the total fee factors: the sum of the total assets and total risk exposure in your category of supervised banks (significant or less significant). These are shown in the table below. Assets of subsidiaries located in non-participating Member States and third countries are excluded from the table. As a rule, banks should exclude such assets for the purposes of calculating their fee factors. However, banking groups may decide to include them (e.g. if they consider that the burden of calculating the amounts to be excluded would be greater than the expected reduction in the supervisory fee)
  

  Aggregate average fee factor values (EUR billions); for fee period 2021	Significant banks	Less significant banks
  Total assets	22,232	4,751
  Total risk exposure	6,930	2,248

  Fee factor values of previous years

  Aggregate average fee factor values (EUR billions); for fee period 2020	Significant banks	Less significant banks
  Total assets	20,218	4,515
  Total risk exposure	6,846	2,226

  Aggregate average fee factor values (EUR billions); reference date 31 December 2018	Significant banks	Less significant banks
  Total assets	19,573	4,415
  Total risk exposure	6,610	2,133

  Aggregate average fee factor values (EUR billions); reference date 31 December 2017	Significant banks	Less significant banks
  Total assets	19,197	4,675
  Total risk exposure	6,382	2,180

  Aggregate average fee factor values (EUR billions); reference date 31 December 2016	Significant banks	Less significant banks
  Total assets	19,781	4,625
  Total risk exposure	6,577	2,141

  Aggregate average fee factor values (EUR billions); reference date 31 December 2015	Significant banks	Less significant banks
  Total assets	20,233	4,469
  Total risk exposure	6,773	2,137

  Aggregate average fee factor values (EUR billions); reference date 31 December 2014	Significant banks	Less significant banks
  Total assets	20,527	4,669
  Total risk exposure	6,811	2,219

• for significant banks and significant banking groups, the number of fee debtors for which the minimum fee component would be halved, i.e. those with total assets of €10 billion or less: 13
• for less significant banks and less significant banking groups, the number of fee debtors for which the minimum fee component would be halved, i.e. those with total assets of €1 billion or less: 1,296

Estimate your fee – examples for 2022 fee period

Equipped with the above data, you can now estimate your fee using the equations in the examples below.